VILLAGE BANK

SAINT FRANCIS, MN | Small | Est. Jan. 11, 1993, midnight | FDIC #33761 | RSSD #2010722 | FDIC
Latest Report: 2025-12-31

VILLAGE BANK is asn small FDIC-insured commercial bank headquartered in SAINT FRANCIS, MN, established in Jan. 11, 1993, midnight. As of 2025-12-31, the bank reported total assets of $418M and total deposits of $361M. Profitability stands at 0.62% ROA and 9.09% ROE, with a net interest margin of 3.76%. The bank's CET1 capital ratio is 12.39%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.85% and a Texas Ratio of 16.00%. FDIC Certificate #33761.

Assets

$418M

Deposits

$361M

Loans

$293M

Equity

$29M

Profitability

Return on Assets (ROA) 0.62%
Return on Equity (ROE) 9.09%
Net Interest Margin (NIM) 3.76%
Yield on Assets 5.44%
Cost of Funds 1.67%

Asset Quality

NPL Ratio 1.85%
Net Charge-Off Ratio 0.04%
Texas Ratio 16.00%
NPA Ratio 1.30%
ACL / Loans 1.69%

Capital & Liquidity

CET1 Ratio 12.39%
Tier 1 Capital 12.39%
Total Capital Ratio 13.64%
Leverage Ratio 8.62%
Loan-to-Deposit 81.13%

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